How to explain the product:

Key Person Disability is coverage for the business. If a vital employee becomes disabled and is covered by a key person disability insurance policy, the businesses will receive disability income checks. The disability checks can be then used to cover the financial loss of the missing employee or it can pay for the temporary worker while the insured person recovers from the disability.

This insurance can be purchased for one or more people in a business. The policy will pay according to it's terms until the disabled person can return or is permanently replaced. Key person insurance is a short-term coverage and most policies offer a benefit of 12 to 24 months.

How to explain the need:

Stop and think. Do you think Do you employ anyone with capabilities that would be very difficult or nearly impossible to replace? How much business and profit would you loose if that person left? If you employ a veteran salesperson with established relationship; a highly skilled individual with training that is unique to your business or a business leaser with a high level of responsibility and irreplaceable knowledge, take a close look at Key Person DI. Someday, it might unlock the solution to keep your business afloat.

Have you heard the old adage, "Don't place too many eggs in one basket?" That's what Key person DI is all about. It keeps eggs coming, even when you lose your best producing hens! Can you see how this coverage could help you survive a very restful situation?